Financial Advisor Wigston Leicestershire (LE18): It can be a daunting experience trying to find a reliable independent financial advisor in the Wigston area, particularly if it is the very first time that you are seeking financial advice. Whether you're searching for mortgage, pensions, investment or even insurance guidance, all financial advisors are bound by one common rule; they all have to stick to the regulations set by the Financial Conduct Authority. This comes with some guarantees, thus after taking advice from a FCA certified financial advisor in Wigston, you can seek reparation from the Financial Ombudsman or the Financial Services Compensation Scheme, if if things go awry.
When selecting a financial advisor in Wigston, a decent place to start could be friends and relations, but you must remember that your circumstances may not be in line with theirs, and you may be in need of a different type of advice. Financial advice should be individually tailored to your unique circumstances, and you'll discover that certain financial advisors may not be appropriate for your requirements. It pays to talk with at least three different firms when you are selecting a financial advisor, because this is an important decision, and you will be looking to find one that you feel comfortable with and can trust, and at the same time check out the various options they can provide.
Restricted advisors and independent financial advisors (IFA), are the two main kinds of financial advisor in Wigston. An independent financial advisor should not be confined to a single company's services or products. Covering the whole gamut of financial products and companies, independent financial advice should be offered in an honest and unbiased way to clientele. Consulting an independent financial advisor should enable you to choose between the broadest possible array of services. A restricted advisor may be focused on a single product, as with a mortgage advisor, or be limited to products and services from a particular provider.
Before taking you on as a client, any financial advisor must be transparent about their charges, as required by the FCA. Determined by the type of service you're interested in, you could be charged by the hour, a set fee or possibly even a specific percentage of your investment value. You may be offered the possibility of a free first consultation to enable you to discuss your objectives and find out if the advisor is a good fit for you and your situation. In some of the bigger Wigston firms, you may find that your account is looked after by a team rather than an individual advisor.
Before any financial advice is handed out you will be required to complete a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your objectives and financial situation. To provide details of the financial advisor, their status to offer restricted or independent advice and their scope of permissions in the financial market, you'll also be handed a Key Facts Document, or Initial Disclosure Document. Your rights will also be laid out in this document, in addition to the possible options you can take if you want to complain because you are not happy with the service you are given. It should be easily understood, written in layman's terms, and outline exactly what you are committing yourself to, along with the benefits and risks of going along with the advice. This document will also inform you about the cooling-off period. Within a certain number of days, this enables you to cancel your agreement.
When speaking with your financial advisor initially you need to check their qualifications and experience. Asking such questions should not cause you any embarrassment, because you are about to entrust them with your long-term financial wellbeing. All Wigston financial advisors must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. If your advisor's name does not show up on the Financial Services Register, don't panic, the firm the person works for should be found on the register and their employees will be covered by the regulations. If they are not able to provide this evidence, the individual cannot offer advice but is permitted to offer financial guidance. In financial terms guidance is different to advice and isn't regulated. Therefore there's no recourse for the client if errors are made.
If it is investments that you're interested in, the advisor will need to know the level of risk you are willing to accept with your hard-earned cash. Many investments carry some element of risk, but high risk investments could offer bigger rewards, and also more likelihood of losing some or all of your funds. The best financial and investment advice should take you savings goals into consideration, i.e. how much you wish to invest, short or long term investments and how quickly you need access to your funds. One question you should ask yourself, which is often overlooked, is just how much you can really afford to lose. This is commonly called your 'capacity for loss' and may well influence the products and services that are offered to you.
From the outset, it is vital that you let your financial advisor know about any existing regular outgoing payments, investments, savings accounts or mortgage loans that you have. To make certain that you get the best advice for you, they need to gather a clear and full picture of your financial situation. Good financial advice should include diversifying your savings and investments by spreading the risk load across a range of different products. So as to match your financial circumstances and your goals, a qualified financial advisor in Wigston will be aware of the best products to consider.
Your financial advisor will try to communicate in as plain a speech as possible, to unveil the complex world of finance. You should be able to make an informed and considered decision once you have learned about the various products and services which meet your needs. If the environment is at the forefront of your mind, you could maybe ask that ethical savings and investments take top priority. This not only gives you investment possibilities, but also enables you to support zero carbon or renewable energy projects, and keep away from businesses and companies that do not share the same values as you.
It is not that easy to have a close working relationship with a financial advisor in Wigston without this affecting your work day and other commitments. Face-to-face appointments can be supplemented with video conferencing and telephone to enable you to seek advice at a time to suit you. Even if you rarely have a face-to-face meeting with your advisor, a competent financial advice firm in Wigston will have strict measures in force to ensure your details are kept secure and confidential, because working from home and remote working is now so common.
Investment values could go down as well as up, and this is a factor that you need to keep in mind. If your investment is not making the amount of money you hoped for, it can be quite demoralising and worrying. Regrettably, a downward spiral in your investment is not a recognised basis for complaint, unless of course it's down to misleading or incorrect information from your financial advisor.
As described in the Key Facts Document, any disputes should commence with the firm's complaints procedure. You can tell the Financial Ombudsman about the situation if it is unsolved within the time set out by the regulating body, and the financial advisor is a member of the Financial Conduct Authority.
After looking into the cause for complaint, the Financial Ombudsman will make a ruling on the issue. A decision will be made on how to financially compensate the client, if the complaint is justified. The financial advisor and their firm must comply with any ruling that is made by the Ombudsman, which becomes a legally binding decision as soon as the client has agreed to it. The Financial Ombudsman will also account for any annoyance, hassle, distress and inconvenience caused to the client during the dispute, and set the level of compensation proportionately.
Financial advice can be provided in Wigston and also in nearby places like: Blaby, Glen Parva, Aylestone, Clarendon Park, Stoughton, Willoughby Waterleys, Evington, West Knighton, Stoneygate, Cosby, Knighton, Great Glen, Fleckney, Countesthorpe, Aylestone Park, Thurnby, Oadby, Stretton Hall, Houghton on the Hill, Leicester, Kibworth Harcourt, and in these postcodes LE18 2AB, LE18 1DF, LE18 1NT, LE18 1DD, LE18 1LY, LE18 2DL, LE18 1LZ, LE18 1PL, LE18 1NU, LE18 1JB. Local Wigston financial advisers will probably have the dialling code 0116 and the postcode LE18.
Leicestershire Financial Advisors
In Leicestershire you will additionally find: Asfordby investment advice, Whetstone financial advice, Worthington financial advice, Bottesford investment advisors, Groby investment advisors, Oakthorpe investment advice, Huncote investment advisors, Old Dalby financial advisors, Braunstone financial advisors, Newtown Linford financial advisors, Thurlaston financial advice, Kibworth Beauchamp investment advice, Ullesthorpe investment advice, Heather financial advisors, Stoney Stanton financial advice, Markfield investment advice, Higham on the Hill investment advisors, Burbage investment advisors, Barlestone investment advisors, Bagworth investment advisors, Breedon on the Hill investment advice, Ellistown financial advice, Great Glen investment advice, Countesthorpe investment advice, Gilmorton financial advice, Ashby de la Zouch financial advisors, Glenfield investment advice.
Leicestershire Financial Advice Enquiries
Latest Leicestershire financial advice enquiries: Emilis Deeley and Aiza Deeley from Groby recently asked for information on financial planning. Mr and Mrs Lloyd from Great Glen, Leicestershire recently enquired about pension advice. Meadow Fitzpatrick and Remy Fitzpatrick from Bottesford recently asked for information on mortgages. Arwen and Woody Best from Narborough, Leicestershire recently enquired about pension advice. Kodi Masters from Gilmorton recently asked for information on life assurance. Ralph and Aiyla Munro from Rearsby, Leicestershire recently enquired about financial planning. Mr and Mrs Gale from Rothley recently asked for information on financial planning. Mr and Mrs Mullins from Desford recently enquired about family income benefit.
Wigston Financial Advice Services
There is a range of services which are provided by your local Wigston financial advisor including pension advice in Wigston, ISA's, cashflow analysis, mutual funds Wigston, family income benefit Wigston, business planning in Wigston, investment bonds, unit trusts, pension transfers, offshore investments, stakeholder pension advice in Wigston, wealth management & investments, retirement advice in Wigston, independent financial advice, corporate financial planning Wigston, divorce planning, pension drawdowns, trustee investment services Wigston, will writing services, pension planning, life insurances Wigston, long term care fee planning, financial planning in Wigston, pension reviews Wigston, financial advice services, and lots more.
Financial Advisors Near Wigston
Also: Houghton on the Hill financial advisors, Great Glen financial advisors, Evington financial advisors, Thurnby financial advisors, West Knighton financial advisors, Stoneygate financial advisors, Leicester financial advisors, Clarendon Park financial advisors, Stoughton financial advisors, Countesthorpe financial advisors, Blaby financial advisors, Glen Parva financial advisors, Kibworth Harcourt financial advisors, Stretton Hall financial advisors, Cosby financial advisors, Fleckney financial advisors, Aylestone Park financial advisors, Knighton financial advisors, Willoughby Waterleys financial advisors, Oadby financial advisors, Aylestone and more.
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Financial Advisors Around Wigston: In the previous 12 months financial advice was provided in these Wigston streets: Birchtree Road, Blunts Lane, Amesbury Road, Cross Street, Church Nook, Shardlow Road, Bramcote Road, Alport Way, Bassett Street, Cumberland Road, Aylestone Lane, Shipton Close, Byfield Drive, Clarkes Road, Burgess Street, Saxondale Road, St Thomas Road, Crediton Close, Bush Lock Close, Thornby Gardens, Croft Drive, Chellaston Road, The Arcade, Castleton Road, Darley Avenue, Stanbrig, Creaton Road, and in these Leicestershire postcodes: LE18 2AB, LE18 1DF, LE18 1NT, LE18 1DD, LE18 1LY, LE18 2DL, LE18 1LZ, LE18 1PL, LE18 1NU, LE18 1JB.
Wigston Financial Advisor Jobs: Find financial advisor jobs in Wigston here: Wigston Financial Advisor Jobs
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Independent financial advisor in LE18 area, and dialling code 0116.
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